BlastPoint's Banking Scorecard
Community Bank of the South
Merritt Island, FL
3 branches across FL
Community Bank of the South has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 47.4% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
- + Efficiency Ratio 5.16% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 18.0% in tier
- - Net Interest Margin 1.01% below tier average
- - ROA 0.50% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$252.5M
-5.6% YoY
-1.8% QoQ
|
-$133.6M |
$386.1M
+0.5% YoY
|
$4.3B
+10.8% YoY
|
$6.2B
+9.1% YoY
|
38% |
| Total Loans ? |
$74.3M
+2.2% YoY
+4.5% QoQ
|
-$181.4M |
$255.7M
+1.1% YoY
|
$3.0B
+12.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 8.9% in tier |
| Total Deposits ? |
$228.9M
-6.2% YoY
-1.2% QoQ
|
-$99.0M |
$328.0M
+0.1% YoY
|
$3.6B
+11.7% YoY
|
$4.8B
+8.2% YoY
|
41% |
| Return on Assets ? |
0.77%
-1.8% YoY
-15.2% QoQ
|
-0.50% |
1.27%
+12.9% YoY
|
0.83%
+61.5% YoY
|
1.23%
+13.4% YoY
|
25% |
| Net Interest Margin ? |
2.92%
+9.8% YoY
-0.5% QoQ
|
-1.01% |
3.93%
+6.0% YoY
|
3.75%
+4.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 9.2% in tier |
| Efficiency Ratio ? |
60.13%
-0.7% YoY
+3.0% QoQ
|
-5.16% |
65.29%
-4.5% YoY
|
71.93%
-25.2% YoY
|
66.95%
-4.1% YoY
|
59% |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
0.63%
-5.7% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
32.46%
+8.9% YoY
+5.7% QoQ
|
-44.17% |
76.64%
+0.8% YoY
|
73.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 2.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.37%
-1.0% YoY
-2.6% QoQ
|
+2.35% |
22.02%
-1.0% YoY
|
27.22%
-2.5% YoY
|
22.01%
-1.2% YoY
|
64% |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.43%
-5.1% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
22.67%
-8.2% YoY
-6.9% QoQ
|
+6.84% |
15.83%
+1.5% YoY
|
16.64%
-24.7% YoY
|
17.06%
+0.8% YoY
|
Top 9.0% in tier |
| Non-Interest Income / Assets ? |
0.04%
+5.9% YoY
-74.7% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.50%
+7.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.2% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.